How To Determine if You Are Not Earning Enough or Just Spending Too Much.

I was like this for many years, specially on my early years as an employee. I was always excited when I received my first salary. We celebrated that night, drank a case of Red Horse beer... dalawa lang kami. Dahil lasing na, nag-taxi na pauwi. A few days before the next payroll, my wallet is already empty and had enough money for the jeepney fare for a few days.So, in order to have lunch, utang muna! Pagdating sa hapunan, punta sa suking karenderya at... syempre utang! Buti na lang kung minsan nagpapadala pa ng pera ang parents ko noon, at least hindi ako nabaon sa utang!